The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,107
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,299/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,244/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,541/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,329
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,863
−HK$1,559/mo
Today · 4.125%
HK$52,422
baseline
▲ 0.50% · 4.625%
HK$55,612
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,844/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,878
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,350
−HK$1,493/mo
Today · 4.125%
HK$57,843
baseline
▲ 0.50% · 4.625%
HK$60,892
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,686/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,550
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,341
−HK$1,818/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,881
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,024
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,741
−HK$1,742/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,040
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,993
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,338/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,785/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,266/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,317
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,525
−HK$2,239/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$91,338
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,034 · Scale 2, in force from 26 Feb 2026)